Plan F+ (HCR-MSFHD-19)

This is a high deductible plan that pays the same benefits as Plan F after one has paid a calendar year deductible of $2,300 in 2019. Benefits from the high deductible plan F will not begin until out-of-pocket expenses are $2,300 in 2019. Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. This includes the Medicare deductibles for Part A and Part B, but does not include the plan’s separate foreign travel emergency deductible.

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Plan F+ is a high deductible plan that pays the same benefits as Plan F after one has paid a calendar year deductible of $2,300 in 2019.

  • Hospitalization: EmblemHealth pays Part A coinsurance* plus coverage for 365 additional days in your lifetime after Medicare stops paying.
  • Medical Expenses: EmblemHealth pays Part B coinsurance* (20 percent of Medicare-approved expenses), Medicare pays 80 percent.
  • Blood: First three pints of blood each year.
  • Hospice care: EmblemHealth pays Part A coinsurance.*
  • Coinsurance* for skilled nursing facility care.
  • Part A inpatient deductible** per benefit period: $1,364 in 2019.
  • Part B annual deductible***: $185 in 2019.
  • 100% of Part B excess charges – Plan pays 100% of Part B excess charges.
  • Emergency care rendered during the first 60 days of foreign travel.
  • SilverSneakers® membership

* Coinsurance is the portion or percentage of the cost of a Medicare covered service that you are responsible to pay.

** Part A inpatient deductible is the dollar amount of costs for covered services you would be expected to pay for Medicare Part A hospitalization services, including semi-private room and board, general nursing and miscellaneous services and supplies during the first 60 days of a covered admission.

*** Part B annual deductible is the amount you pay for health care outside of the hospital before your plan starts to pay.

The SilverSneakers® fitness program is provided by Tivity Health, Inc., an independent company. 


  • 2019 Medicare Supplement Benefit Chart

  • 2019 Medicare Supplement Brochure

  • Medicare Supplement Application Form

Last Updated 10/29/18

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